U.S. Bank
usbank.com › credit-cards › bank-smartly-visa-signature-credit-card.html
U.S. Bank Smartly Visa Signature Credit Card
November 3, 2025 - Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, see your Cardmember Agreement for details.
myFICO
ficoforums.myfico.com › t5 › Credit-Card-Applications › US-Bank-Smartly-Visa-Pre-approval › td-p › 6848312
US Bank Smartly Visa Pre-approval - myFICO® Forums - 6848312
November 28, 2025 - Browse credit cards from a variety of issuers to see if there's a better card for you. ... Managed to get pre-approved with US Bank for a Smartly (FICO 8/9 Bankcard scores are 838/818). However, I'm debating it vs just increasing my CLI on my Cash+ (currently at $12,700).
Videos
16:25
Riding US Bank's 4x Smartly Card To Zero - I Dreamed a Dream - YouTube
09:07
Did US Bank Just RUIN its Best Credit Card? - YouTube
13:29
4% Cash Back Gamechanger? (US Bank Smartly Visa Review) - YouTube
11:16
Huge Changes Coming to Apple Card and US Bank Smartly Card?! - YouTube
12:33
2025 Credit Card Roadmap BROKEN! | US Bank Smartly - YouTube
15:02
The BEST $100k Strategies for the US Bank Smartly Credit Card - ...
myFICO
ficoforums.myfico.com › t5 › Credit-Card-Approvals › Approved-for-the-U-S-Bank-Smartly-Visa-Signature-Card-but-for-a › td-p › 6823986
Approved for the U.S Bank Smartly Visa Signature Card....but for a disappointing $500 Limit
May 17, 2025 - Browse credit cards from a variety of issuers to see if there's a better card for you. ... Since I was on a roll for applying for some cards I wanted this year after my two year wait, I went ahead and applied for a U.S Bank CC. I don't have any accounts with them so I applied blindly not knowing their method of approval. I used their pre approval tool and it told me I was pre approved so I went ahead and app'd for the Smartly Visa Sgnature card.
NerdWallet
nerdwallet.com › credit-cards › learn › us-bank-smartly-cash-back-card
New U.S. Bank Smartly Card: 4% on All Purchases — If You Qualify - NerdWallet
November 8, 2025 - Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, see your Cardmember Agreement for details. Purchases qualify for rewards based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. 1. “Cash back” rewards are earned under the U.S. Bank Smartly™ Visa Signature® Card program.
Forbes Advisor
forbes.com › advisor › credit-cards › new-u-s-bank-smartly-card-earns-up-to-4-cash-back-everywhere
New U.S. Bank Smartly Card Earns Up To 4% Cash Back Everywhere – Forbes Advisor
September 9, 2024 - This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed. The no annual fee U.S. Bank Smartly™ Visa Signature® Card earns a straightforward and unlimited 2% cash back on every purchase, which puts it on par with some of the best 2% cash-back cards already available.
Reddit
reddit.com › r/creditcards › us bank smartly card updated with rumored changes
r/CreditCards on Reddit: US Bank Smartly Card Updated with Rumored Changes
April 14, 2025 -
Changes are now live.
https://www.usbank.com/credit-cards/bank-smartly-visa-signature-credit-card.html
The Finance Buff
thefinancebuff.com › home › latest blog posts › us bank smartly visa review: good, bad, and setup best practice
US Bank Smartly Visa Review: Good, Bad, and Setup Best Practice
April 16, 2025 - Last updated on April 15, 2025 by Harry Sit in Banking and Credit Cards 130 Comments Keywords: Bank of America, credit card, rewards, simplicity · [US Bank updated the terms and conditions for this card. Cards approved on or after April 14, 2025 ...
myFICO
ficoforums.myfico.com › t5 › Credit-Card-Approvals › US-Bank-Smartly-Approval-Thread › td-p › 6796576
US Bank Smartly Approval Thread - myFICO® Forums - 6796576
January 16, 2025 - Seeing this as the FOTM, I going to set-up this thread to corral the Approvals for this card. Website to apply: U.S. Bank Smartly Visa - 6796576
Bankrate
bankrate.com › credit cards › reviews › us bank smartly visa signature card
U.S. Bank Smartly™ Visa Signature® Card review | Bankrate
October 22, 2025 - However, credit score alone does not guarantee or imply approval for any financial product. The Citi Double Cash Card is another 2-percent cash back card: you earn 1 percent cash back when you make a purchase, plus an additional 1 percent when you pay it off. Once again, unlike the Smartly Visa Signature Card, the card offers a welcome bonus of $200 — and you get six months to earn it by spending $1,500 on purchases.
NerdWallet
nerdwallet.com › back to nerdwallet homepage › credit cards › credit cards reviews › u.s. bank smartly card review: lucrative option for loyalists
U.S. Bank Smartly Card Review: A Lucrative Option for Monied U.S. ...
U.S. Bank Smartly™ Visa Signature® Card
If you have enough money across your U.S. Bank accounts, you can double the card’s 2% rewards rate to earn an unlimited 4% back on all purchases. But there are high balance requirements.
Bogleheads.org
bogleheads.org › board index › us investors › personal finance (not investing)
US Bank 4% Smartly Visa Credit Card - Page 16 - Bogleheads.org
Might want to call and product change a different US Bank card if you don't want to burn an inquiry. ... manlymatt83 wrote: Sun Nov 24, 2024 5:23 pm This thread has gotten quite long. Could someone save me from skimming and let me know if transferring $100k to Wells Fargo would allow me to get 4% back? I already have an open smartly checking account and am pre-approved for the smartly card.
Bogleheads.org
bogleheads.org › board index › us investors › personal finance (not investing)
US Bank 4% Smartly Visa Credit Card - Page 9 - Bogleheads.org
They did say I can still get the Altitude Reserve card though. Taking care of tomorrow while enjoying today. ... tj wrote: Tue Nov 12, 2024 8:34 am Well I ran the pre-approval tool and they say they can't pre-approve me. I'll try to call in and do product change on my Cash+ again in a few days. No product changes allowed to the new Smartly card.
Doctor Of Credit
doctorofcredit.com › big-changes-coming-for-new-u-s-bank-smartly-credit-card-approvals-no-changes-now-for-existing-customers-april-14th-cutoff
Big Changes Coming For New U.S. Bank Smartly Credit Card Approvals; No Changes Now For Existing Customers (April 14th Cutoff) - Doctor Of Credit
July 27, 2025 - Best Current Credit Card Sign Up Bonuses &... View Your Pre-Approved & Pre-Qualified Credit...
Help Me Build Credit
helpmebuildcredit.com › home › credit card › us bank › u.s. bank smartly™ visa signature® card
U.S. Bank Smartly™ Visa Signature® Card - Help Me Build Credit
September 8, 2025 - You cannot transfer balances from other credit cards issued by US Bank · To receive the Intro APR Offer, transfers must be completed within the first 60 days of account opening ... Launching Soon – U.S. Bank Smartly™ Visa Signature® Card
WalletHub
wallethub.com › d › us-bank-smartly-credit-card-3528c
U.S. Bank Smartly Card Reviews: Is It Worth It? (2026)
U.S. Bank Smartly™ Visa Signature® Card
Like most 2% cash back credit cards, you need good or excellent credit to qualify for the U.S. Bank Smartly™ Visa Signature® Card. As a result, your odds of getting approved aren’t likely to be high unless you have a credit score of 700 or better. Reviews, rates, fees, and rewards details for The U.S. Bank Smartly™ Visa Signature® Card. Compare to other cards and apply online in seconds
Reddit
reddit.com › r/creditcards › dp: us bank smartly approval
r/CreditCards on Reddit: DP: US Bank Smartly Approval
March 23, 2024 -
Just in case this helps anyone thinking about applying for US Bank Smartly, I wanted to share my stats since I'm pretty shocked I got approved. I've had a checking account with US Bank for 2 years now. Before applying I was 5/6 and 7/12 on new accounts opened.
I applied for the pre-approval, but didn't hear anything back after getting a typical wait 7-10 business days so I just shot out an application for the actual card. Got another 7-10 day wait, but didn't hear anything back (after 5 days) and called this morning. Seems like they just needed to confirm my application? Weird...but was sent an approval notice 3 hours later for a $500 CL which I'm hoping to raise.
First US Bank card!
Top answer 1 of 4
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I think the 7-10 day thing on pre-approvals is a joke, if you want to give people the 7-10 day message with actual applications and have a heavy manual underwriting policy that's one thing, but pre-approvals aren't anywhere near that serious.
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I'm 5/6, 5/24, you're the first I've seen approved with more than 2 accounts in the past 6 months. Only had my checking for a month though. I've already tried with 4 different agents, but maybe I'll try again on Monday who knows since you posted this. Seems to be underwriter roulette. Some UW has been handing out 500 dollar limits
US Credit Card Guide
uscreditcardguide.com › us-bank-smartly-credit-card
US Bank Smartly Credit Card Review (2025.4 Update: Got Nerfed) - US Credit Card Guide
April 14, 2025 - If you have other US Bank credit cards, you can convert them to this one. To check the application status, you can visit this webpage or call (800) 947-1444. If you see the 7-10 days message, it just means they will do a manual review and the outcome could be either approved or denied.
myFICO
ficoforums.myfico.com › t5 › Credit-Card-Approvals › US-Bank-Smartly-Visa-Signature-Approval-8k › td-p › 6823655
US Bank Smartly Visa Signature Approval - $8k - myFICO® Forums - 6823655
May 29, 2025 - I'm on an unintentional roll, lol. I saw a post about a US Bank preapproval link to check if they would approve or not, checked, and - 6823655
Frugal Professor
frugalprofessor.com › us-bank-smartly-4-credit-card-review
US Bank Smartly (4%) Credit Card Review - Frugal Professor
July 31, 2025 - What helped me with my smartly credit limit is calling reconsideration the day I applied and begging for a higher limit. Good luck! I’m convinced that simplicity of the single 4% card is worth ditching BoA, but for some reason I haven’t let myself do that yet and forfeit the 1.25%. It’s a mental illness. Reply · I presume US Bank allows an account owner to designate a citizen of a foreign country to be a primary or contingent beneficiary of any bank account type.
myFICO
ficoforums.myfico.com › t5 › Credit-Card-Applications › Can-it-be-a-US-Bank-Pre-Approval › td-p › 6802481
Can it be a US Bank Pre-Approval? - myFICO® Forums - 6802481
December 23, 2024 - I did it when Smartly came out and if you are pre-approved and before you submit, you can call in and ask for the limit/apr that the computer generated and I was given $10k/lowest APR which is what I eneded up getting on my Triple Cash application, so IME, seems pretty accurate. Agree, the pre-approval tool is not available at the moment. I will keep an eye. Thank you. ... US Bank is not doing any checking for that notification. However the card is easy enough to get approval for so you can apply without pre-approval and still probably get it.